Work Injuries
Work injuries should be reported immediately to an employer. The
employer should then help the injured worker find a qualified health
care provider to treat the injury. The employee may request a Doctor of
Chiropractic when a work injury involves the back, neck, or result in
muscle or joint sprains and strains. If you already have a
chiropractor, you may want to have his or her name listed with your
Employer or the Department of Human Resources at your work place. The
“Doctor of Record” is the term used in the States
that
allow for this registered doctor of choice by the employee. With a
Doctor of Record, it is easier to go through the rigorous process of
obtaining the care that you would prefer for your injury. A
Doctor of Chiropractic who is knowledgeable in the Workers’
Compensation process can be a great resource and aid with this process.
Your chiropractor can even work with an attorney, should the injury be
contested.
Nationwide, employers pay out a great deal of money to help cover work
related injuries. This is one reason why there are tough existing
penalties for workers who make fraudulent injury claims. Also, the
employer has the right to have the injured person evaluated and in some
cases treated by a company doctor. Claims can even get
trickier
if partial or full disability is involved. Many of these more complex
cases will involve the use of attorneys. In these contested cases, the
payment for the injury claim may or may not be paid by the work
carrier, depending on how the case is settled. Also, most private
insurers (companies like Blue Cross, Etna, etc.) will deny any claim
for care if the injury is determined to be work related. However, if at
a later time the Workers’ Compensation claim is considered
invalid and denied, the same private insurer may elect to review the
claim a pay a portion of the bill.
Workers’ Compensation can be difficult to understand but a
chiropractor who specializes in such cases can help to guide you
through the process while helping you recover from your injury. In some
cases, your chiropractor may even accept the case on a
“lean” basis. This insures the patient that the
doctor will
wait for payment when a settlement is reached. If no settlement is
awarded, your chiropractor may agree to write-off the balance.
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DISCLAIMER:
Articles posted on this site are for informational purposes only.
Articles are not intended for self-diagnosis or treatment. Users of
this site should consult with their doctors before making any decisions
regarding their health care.
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